Business & Commercial Insurance

Insurance Shops offers combination of insurance products for both commercial and personal lines, as well as professional, marine, umbrella/event and environmental insurance. Our ability to help clients find the right solution for their insurance needs is second to none.

It’s our ability to offer such a broad range of product lines and quality carriers that can make a real difference in helping us find the best solutions for our client. Whether our client’s needs are for commercial insurance, personal insurance, professional insurance we’re ready to help.Our commercial lines can help you insure the risks in a number of areas including commercial property, vacant buildings, warehouses and more.Insurance Shops personal lines can help cover things as diverse as vacant homes, special events, even home businesses.

Our diverse underwriting team can explain, in detail, the ins and outs of the products our clients need.

Our commercial lines can help you insure the risks in a number of areas including commercial property, vacant buildings, warehouses and more.

Carrying the right insurance coverage is a vital component of any business’s risk management portfolio. We specialize in helping the clients navigate the complex coverage options to find solutions for businesses both big and small. We have access to dozens of carriers offering competitive rates on a wide range of commercial product lines, including:

Insurance Shops personal lines can help cover things as diverse as vacant homes, special events, even home businesses.

From manufactured homes to multimillion dollar waterfront estates, We have access to top-rated carriers for a wide range of personal property coverage. And while homeowners insurance may be the core of personal lines coverage, our product offerings protect our client’s most valuable personal assets that extend well past the front door – even home businesses, special events, personal articles and personal liability.

Personal

Homeowners– including manufactured homes, wind, coastal, and high value

Dwelling Fire

Vacant Homes

High Wealth Clients

Umbrella

Liability

Home Business

Personal Articles

Renters

Special Events

Condo Unit

Comprehensive Liability

Farmers Comprehensive Liability

Excess Liability

Builders Renovation

Ground Up Construction

Excess Auto

With our large network of carriers we can even help with the hard to place professional coverage like D&O, Employment Practice Liability and Cyber Liability.

Professional liability coverage is one of the most important types of insurance in today’s often litigious environment. Businesses, non-profit organizations, homeowners associations, and a myriad of professionals are targets for costly lawsuits that can potentially devastate the financial stability of the organization and individual parties. Our professional lines team are experts in hard-to-place professional coverages.

Professional

Directors & Officers (D&O)

Private for Profit

Non For Profit

Publicly Traded

Employment Practices Liability

Misc. Professional Liability / E & O

Media Liability

Professional Products

Physicians & Surgeons

Professional Liability

Accountants

Lawyers

Architects & Engineers (A&E)

Allied Medical & Medical Malpractice

Allied Medical & Healthcare

Home Healthcare

Cyber & Technology

Cyber & Privacy

Technology

Financial Products

Broker / Dealer

Financial Advisors

General Liability Information

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.

General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford’s liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.

Broad Range of General Liability Protection

Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury

Property Damage coverage for the physical damage to property of others or the loss of use of that property

Products-Completed Operations provides liability protection (damages and legal expenses up to your policyâ€™s limit) if an injury ever resulted from something your company made or service your company provided

Contractual Liability extends to any liability you may assume by entering into a variety of contracts

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need Workers Compensation?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.